Personal Rates

You Get Better Rates if You Borrow Locally

No matter your financial journey, everyone needs a little help along the way. iQ can help, whether you want to finance a new car or a new home. We offer competitive loans to meet all your needs. Qualifying for a loan is simple. Start by estimating the amount you need to borrow and the money payments, then apply online or by telephone. We’ll let you know if you qualify superfast so you can get on with more important things.

Certificates

*APY = annual percentage yield

All Certificates:*Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.

** Business CDs do not qualify for the Member Perks .25% bump.

IRA Certificates

*APY = annual percentage yield

All Certificates:*Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.

** Business CDs do not qualify for the Member Perks .25% bump.

Intelligent Checking & Shares

*APY= Annual Percentage Yield. Intelligent Savings: Qualifying 3.50% APY accurate as of 02/01/2024. To earn the qualified Intelligent Savings Rate, you must have an Intelligent Checking Account and meet all monthly qualifiers. If account requirements are not met, the non-qualifying rate will be 0.05% APY. Existing savings accounts cannot be converted to an Intelligent Savings—a new account must be opened. Intelligent Checking: Qualifying 5.50% APY is accurate as of 01/09/2024 (up to $25,000; amounts over $25,000 earn 0.25% APY). To earn the qualifying rate, your Intelligent Checking must meet the following monthly requirements: twelve (12) debit or credit card transactions, direct deposit of at least $100 per month, log into online banking at least once per month, and receive e-statements. If account requirements are not met, the non-qualifying rate will be 0.05% APY. New accounts will receive the qualifying dividend rate for the first statement cycle. All requirements must be met with transactions posted and cleared by the close of the business day before the last day of the month. ATM transactions do not count toward the 12 debit card transactions.  Bundle: Dividend paid on the last day of the month in which it is earned. Qualifiers must be on the Intelligent Checking account that is within the same membership as the Intelligent Savings account. There is no monthly fee for these accounts. Only one Intelligent Bundle per membership. All rates are subject to change.

All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.
Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.

  • Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information. Terms and conditions to earn the Intelligent Savings rate apply. Please see the Intelligent Savings Terms & Conditions for more information.
  • Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
  • Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
  • Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g., checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
  • Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
  • Account Limitations. For Non-Profit Organizations and Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Intelligent Savings accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals.

Money Market Accounts

Easy Saver

Youth Shares

Auto Loans

Motorcycle, RV, and Boat

** Sport RVs, which include motorcycles, ATV/UTVs, jet skis, snowmobiles, and utility and horse trailers can only be financed for the 60-month term at the associated rates.

Credit Cards

*APR= Annual Percentage Rate.

The current Wall Street Journal prime index rate is 8.50%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here.  | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.

Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be 12.49% - 22.49%. Rates Effective as of March 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.

Visa Platinum® Cash Back3  : After promotional period expires, Variable Annual Percentage Rate (APR) will be  14.49% - 23.49%. Rates Effective as of March 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement

Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 15.49% - 19.49% for business card holders. Variable Annual Percentage Rate (APR) will be 15.49% - 21.49% for consumers. Rates Effective as of March 25, 2024. There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.

Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 12.49% for consumers. Rates Effective as of March 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. 

Personal Loans

Personal Line of Credit

Home Equity Line of Credit

*APR= Annual Percentage Rate.

HELOC - Variable  Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.50%. The variable Rates Effective as of October 1, 2023 are 8.25% - 11.00%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%. 

HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.

Learn more about Home Equity.

Fixed Rate Conversion

*APR= Annual Percentage Rate.

HELOC - Variable  Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.50%. The variable Rates Effective as of October 1, 2023 are 8.25% - 11.00%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%. 

HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.

Learn more about Home Equity.